Regulatory Capital

6 Months Ended

Jun. 30, 2017

Banking and Thrift [Abstract]

Regulatory Capital

Regulatory Capital

On July 2, 2013, the Board of Governors of the Federal Reserve Bank issued a final rule implementing a revised regulatory capital framework for U.S. banks in accordance with the Basel III international accord, ("Basel III"). Basel III includes a more stringent definition of capital and introduces a new common equity tier 1, or CET1, capital requirement, sets forth a comprehensive methodology for calculating risk-weighted assets, introduces a conservation buffer and sets out minimum capital ratios and overall capital adequacy standards. Under Basel III, certain deductions and adjustments to regulatory capital began to phase in starting January 1, 2015 and will be fully implemented on January 1, 2018. The capital conservation buffer required under Basel III began to phase in starting January 1, 2016 and will be fully implemented on January 1, 2019.

As of June 30, 2017 and December 31, 2016, the Company exceeded all capital adequacy requirements to which it is subject. Actual capital amounts and ratios for the Company and its bank subsidiary, as of June 30, 2017 and December 31, 2016 are presented in the following tables:

	Actual				Adequately Capitalized  Basel III Phase-In Schedule				Adequately Capitalized Basel III Fully Phased-In				Well Capitalized (1)
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
June 30, 2017
Total risk-based capital:
Consolidated	$	1,086,842	12.56	%	$	800,182	9.25	%	$	908,314	10.50	%	$	865,061	10.00	%
FIB	824,454		13.00		586,642		9.25		665,918		10.50		634,208		10.00
BOTC	240,391		10.53		211,145		9.25		239,678		10.50		228,265		10.00
Tier 1 risk-based capital:
Consolidated	1,011,141		11.69		627,169		7.25		735,302		8.50		692,049		8.00
FIB	748,753		11.81		459,801		7.25		539,077		8.50		507,366		8.00
BOTC	240,391		10.53		165,492		7.25		194,025		8.50		182,612		8.00
Common equity tier 1 risk-based capital:
Consolidated	931,675		10.77		497,410		5.75		605,543		7.00		562,290		6.50
FIB	748,753		11.81		364,669		5.75		443,945		7.00		412,235		6.50
BOTC	240,391		10.53		131,252		5.75		159,786		7.00		148,372		6.50
Leverage capital ratio:
Consolidated	1,011,141		10.65		379,616		4.00		379,616		4.00		474,519		5.00
FIB	748,753		8.67		345,442		4.00		345,442		4.00		431,803		5.00
BOTC	240,391		8.12		118,476		4.00		118,476		4.00		148,095		5.00

	Actual				Adequately Capitalized  Basel III Phase-In Schedule				Adequately Capitalized Basel III Fully Phased-In				Well Capitalized (1)
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2016
Total risk-based capital:
Consolidated	$	974,488	15.13	%	$	555,665	8.63	%	$	676,070	10.50	%	$	643,876	10.00	%
FIB	841,967		13.13		553,459		8.63		673,386		10.50		641,320		10.00
Tier 1 risk-based capital:
Consolidated	894,273		13.89		426,890		6.63		547,295		8.50		$	515,101	8.00
FIB	765,753		11.94		425,195		6.63		545,122		8.50		513,056		8.00
Common equity tier 1 risk-based capital:
Consolidated	814,273		12.65		330,308		5.13		450,713		7.00		$	418,519	6.50
FIB	765,753		11.94		328,997		5.13		448,924		7.00		416,858		6.50
Leverage capital ratio:
Consolidated	894,273		10.11		353,838		4.00		353,838		4.00		$	442,297	5.00
FIB	765,753		8.69		352,283		4.00		352,283		4.00		440,353		5.00

(1) The ratios for the well capitalized requirement are only applicable to FIB and BOTC. However, the Company manages its capital position as if the requirement applies to the consolidated entity and has presented the ratios as if they also applied on a consolidated basis.